| @Repayment |
| Feature: LoanRepayment - Part4 |
| |
| @TestRailId:C4353 |
| Scenario: Verify the loan creation with total disbursement amount less then 1 for progressive loan - UC2 |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 1 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025" |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| When Admin successfully disburse the loan on "26 October 2025" with "0.4" EUR transaction amount |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 1 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| | 27 October 2025 | Repayment | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4354 |
| Scenario: Verify the loan creation with total disbursement amount less then 1 for progressive loan - 2 repayments |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 1 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 2 | MONTHS | 1 | MONTHS | 2 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "1" amount and expected disbursement date on "26 October 2025" |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 1.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 26 November 2025 | | 0.5 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | |
| | 2 | 30 | 26 December 2025 | | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 1.0 | |
| When Admin successfully disburse the loan on "26 October 2025" with "0.4" EUR transaction amount |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | |
| | 2 | 30 | 26 December 2025 | | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 2 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 0.2 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 | 0.0 | 0.0 | |
| | 2 | 30 | 26 December 2025 | 27 October 2025 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.4 | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | false | false | |
| | 27 October 2025 | Repayment | 0.4 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4648 |
| Scenario: Verify repayment undo with linked chargeback fails with proper error |
| When Admin sets the business date to "01 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024" |
| When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| When Admin sets the business date to "15 March 2024" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount |
| Then Customer undo "1"th transaction made on "01 February 2024" results a 403 error and "update not allowed as loan transaction is linked to other transactions" error message |
| When Loan Pay-off is made on "15 March 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C4683 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical prepayment with NEXT_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 20813513.1 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 18592872.39 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 16372231.68 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 14151590.97 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 11930950.26 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 9710309.55 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 7489668.84 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 5269028.13 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 3048387.42 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 827746.71 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 827746.71 | 180821.92 | 0.0 | 0.0 | 1008568.63 | 1008568.63 | 1008568.63 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C4684 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical prepayment with LAST_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "LAST_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 22206407.14 | 827746.67 | 180821.92 | 0.0 | 0.0 | 1008568.59 | 1008568.59 | 1008568.59 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 19985766.43 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 17765125.72 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 15544485.01 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 13323844.3 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 11103203.59 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 8882562.88 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 6661922.17 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 4441281.46 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 2220640.75 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 2220640.75 | 0.0 | 0.0 | 0.0 | 2220640.75 | 2220640.75 | 2220640.75 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C4685 @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical prepayment with NEXT_LAST_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_LAST_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 01 January 2026 | 25000000 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 12 | MONTHS | 1 | MONTHS | 12 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "01 January 2026" with "25000000" amount and expected disbursement date on "01 January 2026" |
| When Admin successfully disburse the loan on "01 January 2026" with "25000000" EUR transaction amount |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 2 | 28 | 01 March 2026 | | 21039772.25 | 1994381.56 | 226259.15 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 3 | 31 | 01 April 2026 | | 19033564.29 | 2006207.96 | 214432.75 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 4 | 30 | 01 May 2026 | | 17000651.89 | 2032912.4 | 187728.31 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 5 | 31 | 01 June 2026 | | 14953278.1 | 2047373.79 | 173266.92 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 6 | 30 | 01 July 2026 | | 12880121.78 | 2073156.32 | 147484.39 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 7 | 31 | 01 August 2026 | | 10790752.45 | 2089369.33 | 131271.38 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 8 | 31 | 01 September 2026 | | 8680088.72 | 2110663.73 | 109976.98 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 9 | 30 | 01 October 2026 | | 6545059.84 | 2135028.88 | 85611.83 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 10 | 31 | 01 November 2026 | | 4391124.95 | 2153934.89 | 66705.82 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 11 | 30 | 01 December 2026 | | 2213793.97 | 2177330.98 | 43309.73 | 0.0 | 0.0 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | |
| | 12 | 31 | 01 January 2027 | | 0.0 | 2213793.97 | 22562.5 | 0.0 | 0.0 | 2236356.47 | 0.0 | 0.0 | 0.0 | 2236356.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 1663404.28 | 0.0 | 0.0 | 26663404.28 | 0.0 | 0.0 | 0.0 | 26663404.28 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| When Loan Pay-off is made on "23 February 2026" |
| Then Loan Repayment schedule has 12 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2026 | | 25000000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2026 | 23 February 2026 | 23034153.81 | 1965846.19 | 254794.52 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 0.0 | 2220640.71 | 0.0 | |
| | 2 | 28 | 01 March 2026 | 23 February 2026 | 20813513.1 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2026 | 23 February 2026 | 19985766.43 | 827746.67 | 180821.92 | 0.0 | 0.0 | 1008568.59 | 1008568.59 | 1008568.59 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2026 | 23 February 2026 | 17765125.72 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2026 | 23 February 2026 | 15544485.01 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2026 | 23 February 2026 | 13323844.3 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 7 | 31 | 01 August 2026 | 23 February 2026 | 11103203.59 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 8 | 31 | 01 September 2026 | 23 February 2026 | 8882562.88 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 9 | 30 | 01 October 2026 | 23 February 2026 | 6661922.17 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 10 | 31 | 01 November 2026 | 23 February 2026 | 4441281.46 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 11 | 30 | 01 December 2026 | 23 February 2026 | 2220640.75 | 2220640.71 | 0.0 | 0.0 | 0.0 | 2220640.71 | 2220640.71 | 2220640.71 | 0.0 | 0.0 | |
| | 12 | 31 | 01 January 2027 | 23 February 2026 | 0.0 | 2220640.75 | 0.0 | 0.0 | 0.0 | 2220640.75 | 2220640.75 | 2220640.75 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 25000000.0 | 435616.44 | 0.0 | 0.0 | 25435616.44 | 25435616.44 | 23214975.73 | 2220640.71 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 01 January 2026 | Disbursement | 25000000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25000000.0 | |
| | 23 February 2026 | Repayment | 25435616.44 | 25000000.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 435616.44 | 0.0 | 435616.44 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C78844 @AdvancedPaymentAllocation |
| Scenario: Verify installment due date logic for monthly installments - repayment start date type overridden on loan level by submitted on date |
| When Admin sets the business date to "31 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | expected disbursement date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | Repayment start date type | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 31 January 2024 | 10 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | SUBMITTED_ON_DATE | |
| Then LoanDetails has repaymentStartDateType field with value: "SUBMITTED_ON_DATE" |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 10 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 29 | 29 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 31 | 31 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 30 | 30 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 31 | 31 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "11 February 2024" |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 11 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 29 | 29 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 31 | 31 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 30 | 30 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 31 | 31 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "12 February 2024" |
| When Admin successfully disburse the loan on "12 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 4 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 12 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 29 | 29 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 31 | 31 March 2024 | | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 3 | 30 | 30 April 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 4 | 31 | 31 May 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| |
| @TestRailId:C78845 @AdvancedPaymentAllocation |
| Scenario: Verify installment due date logic for monthly installments - repayment start date type overridden on loan level by disbursement date |
| When Admin sets the business date to "31 January 2024" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | expected disbursement date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | Repayment start date type | |
| | LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION_REPAYMENT_START_SUBMITTED | 31 January 2024 | 10 February 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | DISBURSEMENT_DATE | |
| Then LoanDetails has repaymentStartDateType field with value: "DISBURSEMENT_DATE" |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 10 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 0 | 10 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 29 | 10 March 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 3 | 31 | 10 April 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 4 | 30 | 10 May 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 5 | 31 | 10 June 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| And Admin successfully approves the loan on "31 January 2024" with "1000" amount and expected disbursement date on "11 February 2024" |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 11 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 0 | 11 February 2024 | | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | |
| | 2 | 29 | 11 March 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 3 | 31 | 11 April 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 4 | 30 | 11 May 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 5 | 31 | 11 June 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | |
| When Admin sets the business date to "12 February 2024" |
| When Admin successfully disburse the loan on "12 February 2024" with "1000" EUR transaction amount |
| Then Loan Repayment schedule has 5 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 12 February 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 0 | 12 February 2024 | 12 February 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 12 March 2024 | | 562.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 3 | 31 | 12 April 2024 | | 374.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 4 | 30 | 12 May 2024 | | 186.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | 0.0 | 0.0 | 0.0 | 188.0 | |
| | 5 | 31 | 12 June 2024 | | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | 0.0 | 0.0 | 0.0 | 186.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 250.0 | 0.0 | 0.0 | 750.0 | |
| |
| @TestRailId:CXXXX @AdvancedPaymentAllocation @ProgressiveLoanSchedule |
| Scenario: Verify AdvancedPaymentAllocation behaviour: loanScheduleProcessingType-vertical two repayment and prepayment with NEXT_INSTALLMENT strategy |
| When Admin sets the business date to "23 February 2026" |
| When Admin creates a client with random data |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC | 31 December 2024 | 424036.08 | 12 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 36 | MONTHS | 1 | MONTHS | 36 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "31 December 2024" with "424036.08" amount and expected disbursement date on "31 December 2024" |
| When Admin successfully disburse the loan on "31 December 2024" with "424036.08" EUR transaction amount |
| Then Loan Repayment schedule has 36 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 31 December 2024 | | 424036.08 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 31 January 2025 | | 414277.37 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 2 | 28 | 28 February 2025 | | 404100.44 | 10176.93 | 3903.46 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 3 | 31 | 31 March 2025 | | 394341.73 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 4 | 30 | 30 April 2025 | | 384443.61 | 9898.12 | 4182.27 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 5 | 31 | 31 May 2025 | | 374684.9 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 6 | 30 | 30 June 2025 | | 364786.78 | 9898.12 | 4182.27 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 7 | 31 | 31 July 2025 | | 355028.07 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 8 | 31 | 31 August 2025 | | 345269.36 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 9 | 30 | 30 September 2025 | | 335371.24 | 9898.12 | 4182.27 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 10 | 31 | 31 October 2025 | | 325612.53 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 11 | 30 | 30 November 2025 | | 315714.41 | 9898.12 | 4182.27 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 12 | 31 | 31 December 2025 | | 305955.7 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 13 | 31 | 31 January 2026 | | 296196.99 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 14 | 28 | 28 February 2026 | | 285809.91 | 10387.08 | 3693.31 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 15 | 31 | 31 March 2026 | | 274642.43 | 11167.48 | 2912.91 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 16 | 30 | 30 April 2026 | | 263270.84 | 11371.59 | 2708.8 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 17 | 31 | 31 May 2026 | | 251873.65 | 11397.19 | 2683.2 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 18 | 30 | 30 June 2026 | | 240277.49 | 11596.16 | 2484.23 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 19 | 31 | 31 July 2026 | | 228645.96 | 11631.53 | 2448.86 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 20 | 31 | 31 August 2026 | | 216895.88 | 11750.08 | 2330.31 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 21 | 30 | 30 September 2026 | | 204954.74 | 11941.14 | 2139.25 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 22 | 31 | 31 October 2026 | | 192963.2 | 11991.54 | 2088.85 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 23 | 30 | 30 November 2026 | | 180786.01 | 12177.19 | 1903.2 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 24 | 31 | 31 December 2026 | | 168548.15 | 12237.86 | 1842.53 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 25 | 31 | 31 January 2027 | | 156185.57 | 12362.58 | 1717.81 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 26 | 28 | 28 February 2027 | | 143542.94 | 12642.63 | 1437.76 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 27 | 31 | 31 March 2027 | | 130925.51 | 12617.43 | 1462.96 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 28 | 30 | 30 April 2027 | | 118136.44 | 12789.07 | 1291.32 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 29 | 31 | 31 May 2027 | | 105260.07 | 12876.37 | 1204.02 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 30 | 30 | 30 June 2027 | | 92217.86 | 13042.21 | 1038.18 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 31 | 31 | 31 July 2027 | | 79077.33 | 13140.53 | 939.86 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 32 | 31 | 31 August 2027 | | 65802.88 | 13274.45 | 805.94 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 33 | 30 | 30 September 2027 | | 52371.5 | 13431.38 | 649.01 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 34 | 31 | 31 October 2027 | | 38824.87 | 13546.63 | 533.76 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 35 | 30 | 30 November 2027 | | 25127.41 | 13697.46 | 382.93 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 36 | 31 | 31 December 2027 | | 0.0 | 25127.41 | 256.09 | 0.0 | 0.0 | 25383.5 | 0.0 | 0.0 | 0.0 | 25383.5 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 424036.08 | 94161.07 | 0.0 | 0.0 | 518197.15 | 0.0 | 0.0 | 0.0 | 518197.15 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 31 December 2024 | Disbursement | 424036.08 | 0.0 | 0.0 | 0.0 | 0.0 | 424036.08 | |
| And Customer makes "AUTOPAY" repayment on "12 February 2025" with 55284.0 EUR transaction amount |
| Then Loan Repayment schedule has 36 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 31 December 2024 | | 424036.08 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 31 January 2025 | 12 February 2025 | 414277.37 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 14080.39 | 0.0 | 14080.39 | 0.0 | |
| | 2 | 28 | 28 February 2025 | 12 February 2025 | 400196.98 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 3 | 31 | 31 March 2025 | 12 February 2025 | 386116.59 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 4 | 30 | 30 April 2025 | | 372036.2 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 13042.83 | 13042.83 | 0.0 | 1037.56 | |
| | 5 | 31 | 31 May 2025 | | 372036.2 | 0.0 | 14080.39 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 6 | 30 | 30 June 2025 | | 362474.64 | 9561.56 | 4518.83 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 7 | 31 | 31 July 2025 | | 352196.54 | 10278.1 | 3802.29 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 8 | 31 | 31 August 2025 | | 341918.44 | 10278.1 | 3802.29 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 9 | 30 | 30 September 2025 | | 331517.68 | 10400.76 | 3679.63 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 10 | 31 | 31 October 2025 | | 321239.58 | 10278.1 | 3802.29 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 11 | 30 | 30 November 2025 | | 310838.82 | 10400.76 | 3679.63 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 12 | 31 | 31 December 2025 | | 300560.72 | 10278.1 | 3802.29 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 13 | 31 | 31 January 2026 | | 290282.62 | 10278.1 | 3802.29 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 14 | 28 | 28 February 2026 | | 279500.46 | 10782.16 | 3298.23 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 15 | 31 | 31 March 2026 | | 268268.68 | 11231.78 | 2848.61 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 16 | 30 | 30 April 2026 | | 256834.23 | 11434.45 | 2645.94 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 17 | 31 | 31 May 2026 | | 245371.44 | 11462.79 | 2617.6 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 18 | 30 | 30 June 2026 | | 233711.15 | 11660.29 | 2420.1 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 19 | 31 | 31 July 2026 | | 222012.69 | 11698.46 | 2381.93 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 20 | 31 | 31 August 2026 | | 210195.0 | 11817.69 | 2262.7 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 21 | 30 | 30 September 2026 | | 198187.77 | 12007.23 | 2073.16 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 22 | 31 | 31 October 2026 | | 186127.27 | 12060.5 | 2019.89 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 23 | 30 | 30 November 2026 | | 173882.66 | 12244.61 | 1835.78 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 24 | 31 | 31 December 2026 | | 161574.44 | 12308.22 | 1772.17 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 25 | 31 | 31 January 2027 | | 149140.78 | 12433.66 | 1646.73 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 26 | 28 | 28 February 2027 | | 136433.3 | 12707.48 | 1372.91 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 27 | 31 | 31 March 2027 | | 123743.41 | 12689.89 | 1390.5 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 28 | 30 | 30 April 2027 | | 110883.5 | 12859.91 | 1220.48 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 29 | 31 | 31 May 2027 | | 97933.21 | 12950.29 | 1130.1 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 30 | 30 | 30 June 2027 | | 84818.74 | 13114.47 | 965.92 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 31 | 31 | 31 July 2027 | | 71602.8 | 13215.94 | 864.45 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 32 | 31 | 31 August 2027 | | 58252.17 | 13350.63 | 729.76 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 33 | 30 | 30 September 2027 | | 44746.32 | 13505.85 | 574.54 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 34 | 31 | 31 October 2027 | | 31121.97 | 13624.35 | 456.04 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 35 | 30 | 30 November 2027 | | 17348.54 | 13773.43 | 306.96 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 36 | 31 | 31 December 2027 | | 0.0 | 17348.54 | 176.81 | 0.0 | 0.0 | 17525.35 | 0.0 | 0.0 | 0.0 | 17525.35 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 424036.08 | 86302.92 | 0.0 | 0.0 | 510339.0 | 55284.0 | 41203.61 | 14080.39 | 455055.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 31 December 2024 | Disbursement | 424036.08 | 0.0 | 0.0 | 0.0 | 0.0 | 424036.08 | |
| | 12 February 2025 | Repayment | 55284.0 | 50962.32 | 4321.68 | 0.0 | 0.0 | 373073.76 | |
| And Customer makes "AUTOPAY" repayment on "27 June 2025" with 66605.0 EUR transaction amount |
| Then Loan Repayment schedule has 36 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 31 December 2024 | | 424036.08 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 31 January 2025 | 12 February 2025 | 414277.37 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 14080.39 | 0.0 | 14080.39 | 0.0 | |
| | 2 | 28 | 28 February 2025 | 12 February 2025 | 400196.98 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 3 | 31 | 31 March 2025 | 12 February 2025 | 386116.59 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 4 | 30 | 30 April 2025 | 27 June 2025 | 372036.2 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 13042.83 | 1037.56 | 0.0 | |
| | 5 | 31 | 31 May 2025 | 27 June 2025 | 372036.2 | 0.0 | 14080.39 | 0.0 | 0.0 | 14080.39 | 14080.39 | 0.0 | 14080.39 | 0.0 | |
| | 6 | 30 | 30 June 2025 | 27 June 2025 | 357955.81 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 7 | 31 | 31 July 2025 | 27 June 2025 | 343875.42 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 8 | 31 | 31 August 2025 | 27 June 2025 | 329795.03 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 9 | 30 | 30 September 2025 | | 329795.03 | 0.0 | 14080.39 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 10 | 31 | 31 October 2025 | | 319063.77 | 10731.26 | 3349.13 | 0.0 | 0.0 | 14080.39 | 9245.88 | 9245.88 | 0.0 | 4834.51 | |
| | 11 | 30 | 30 November 2025 | | 308144.96 | 10918.81 | 3161.58 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 12 | 31 | 31 December 2025 | | 297331.54 | 10813.42 | 3266.97 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 13 | 31 | 31 January 2026 | | 286518.12 | 10813.42 | 3266.97 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 14 | 28 | 28 February 2026 | | 275332.6 | 11185.52 | 2894.87 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 15 | 31 | 31 March 2026 | | 264058.34 | 11274.26 | 2806.13 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 16 | 30 | 30 April 2026 | | 252582.36 | 11475.98 | 2604.41 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 17 | 31 | 31 May 2026 | | 241076.23 | 11506.13 | 2574.26 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 18 | 30 | 30 June 2026 | | 229373.58 | 11702.65 | 2377.74 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 19 | 31 | 31 July 2026 | | 217630.92 | 11742.66 | 2337.73 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 20 | 31 | 31 August 2026 | | 205768.58 | 11862.34 | 2218.05 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 21 | 30 | 30 September 2026 | | 193717.69 | 12050.89 | 2029.5 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 22 | 31 | 31 October 2026 | | 181611.63 | 12106.06 | 1974.33 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 23 | 30 | 30 November 2026 | | 169322.48 | 12289.15 | 1791.24 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 24 | 31 | 31 December 2026 | | 156967.79 | 12354.69 | 1725.7 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 25 | 31 | 31 January 2027 | | 144487.18 | 12480.61 | 1599.78 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 26 | 28 | 28 February 2027 | | 131736.86 | 12750.32 | 1330.07 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 27 | 31 | 31 March 2027 | | 118999.1 | 12737.76 | 1342.63 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 28 | 30 | 30 April 2027 | | 106092.4 | 12906.7 | 1173.69 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 29 | 31 | 31 May 2027 | | 93093.28 | 12999.12 | 1081.27 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 30 | 30 | 30 June 2027 | | 79931.07 | 13162.21 | 918.18 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 31 | 31 | 31 July 2027 | | 66665.32 | 13265.75 | 814.64 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 32 | 31 | 31 August 2027 | | 53264.37 | 13400.95 | 679.44 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 33 | 30 | 30 September 2027 | | 39709.33 | 13555.04 | 525.35 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 34 | 31 | 31 October 2027 | | 26033.65 | 13675.68 | 404.71 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 35 | 30 | 30 November 2027 | | 12210.03 | 13823.62 | 256.77 | 0.0 | 0.0 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | |
| | 36 | 31 | 31 December 2027 | | 0.0 | 12210.03 | 124.44 | 0.0 | 0.0 | 12334.47 | 0.0 | 0.0 | 0.0 | 12334.47 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 424036.08 | 81112.04 | 0.0 | 0.0 | 505148.12 | 121889.0 | 92690.66 | 29198.34 | 383259.12 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 31 December 2024 | Disbursement | 424036.08 | 0.0 | 0.0 | 0.0 | 0.0 | 424036.08 | |
| | 12 February 2025 | Repayment | 55284.0 | 50962.32 | 4321.68 | 0.0 | 0.0 | 373073.76 | |
| | 27 June 2025 | Repayment | 66605.0 | 52524.61 | 14080.39 | 0.0 | 0.0 | 320549.15 | |
| When Loan Pay-off is made on "20 August 2025" |
| Then Loan Repayment schedule has 36 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 31 December 2024 | | 424036.08 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 31 January 2025 | 12 February 2025 | 414277.37 | 9758.71 | 4321.68 | 0.0 | 0.0 | 14080.39 | 14080.39 | 0.0 | 14080.39 | 0.0 | |
| | 2 | 28 | 28 February 2025 | 12 February 2025 | 400196.98 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 3 | 31 | 31 March 2025 | 12 February 2025 | 386116.59 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 4 | 30 | 30 April 2025 | 27 June 2025 | 372036.2 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 13042.83 | 1037.56 | 0.0 | |
| | 5 | 31 | 31 May 2025 | 27 June 2025 | 372036.2 | 0.0 | 14080.39 | 0.0 | 0.0 | 14080.39 | 14080.39 | 0.0 | 14080.39 | 0.0 | |
| | 6 | 30 | 30 June 2025 | 27 June 2025 | 357955.81 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 7 | 31 | 31 July 2025 | 27 June 2025 | 343875.42 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 8 | 31 | 31 August 2025 | 27 June 2025 | 329795.03 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 9 | 30 | 30 September 2025 | 20 August 2025 | 315714.64 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 10 | 31 | 31 October 2025 | 20 August 2025 | 301634.25 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 11 | 30 | 30 November 2025 | 20 August 2025 | 287553.86 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 12 | 31 | 31 December 2025 | 20 August 2025 | 273473.47 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 13 | 31 | 31 January 2026 | 20 August 2025 | 259393.08 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 14 | 28 | 28 February 2026 | 20 August 2025 | 245312.69 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 15 | 31 | 31 March 2026 | 20 August 2025 | 231232.3 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 16 | 30 | 30 April 2026 | 20 August 2025 | 217151.91 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 17 | 31 | 31 May 2026 | 20 August 2025 | 203071.52 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 18 | 30 | 30 June 2026 | 20 August 2025 | 188991.13 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 19 | 31 | 31 July 2026 | 20 August 2025 | 174910.74 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 20 | 31 | 31 August 2026 | 20 August 2025 | 160830.35 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 21 | 30 | 30 September 2026 | 20 August 2025 | 146749.96 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 22 | 31 | 31 October 2026 | 20 August 2025 | 132669.57 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 23 | 30 | 30 November 2026 | 20 August 2025 | 118589.18 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 24 | 31 | 31 December 2026 | 20 August 2025 | 104508.79 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 25 | 31 | 31 January 2027 | 20 August 2025 | 90428.4 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 26 | 28 | 28 February 2027 | 20 August 2025 | 76348.01 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 27 | 31 | 31 March 2027 | 20 August 2025 | 62267.62 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 28 | 30 | 30 April 2027 | 20 August 2025 | 48187.23 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 29 | 31 | 31 May 2027 | 20 August 2025 | 34106.84 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 30 | 30 | 30 June 2027 | 20 August 2025 | 20026.45 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 31 | 31 | 31 July 2027 | 20 August 2025 | 5946.06 | 14080.39 | 0.0 | 0.0 | 0.0 | 14080.39 | 14080.39 | 14080.39 | 0.0 | 0.0 | |
| | 32 | 31 | 31 August 2027 | 20 August 2025 | 0.0 | 5946.06 | 0.0 | 0.0 | 0.0 | 5946.06 | 5946.06 | 5946.06 | 0.0 | 0.0 | |
| | 33 | 30 | 30 September 2027 | 20 August 2025 | 0.0 | 0.0 | 9841.72 | 0.0 | 0.0 | 9841.72 | 9841.72 | 9841.72 | 0.0 | 0.0 | |
| | 34 | 31 | 31 October 2027 | 20 August 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 35 | 30 | 30 November 2027 | 20 August 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 36 | 31 | 31 December 2027 | 20 August 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 424036.08 | 28243.79 | 0.0 | 0.0 | 452279.87 | 452279.87 | 423081.53 | 29198.34 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | |
| | 31 December 2024 | Disbursement | 424036.08 | 0.0 | 0.0 | 0.0 | 0.0 | 424036.08 | |
| | 12 February 2025 | Repayment | 55284.0 | 50962.32 | 4321.68 | 0.0 | 0.0 | 373073.76 | |
| | 27 June 2025 | Repayment | 66605.0 | 52524.61 | 14080.39 | 0.0 | 0.0 | 320549.15 | |
| | 20 August 2025 | Repayment | 330390.87 | 320549.15 | 9841.72 | 0.0 | 0.0 | 0.0 | |
| | 23 February 2026 | Accrual | 28243.79 | 0.0 | 28243.79 | 0.0 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| When Admin set "LP2_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_VERTICAL_INTEREST_RECALC" loan product "REPAYMENT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule |
| |
| @TestRailId:C80938 |
| Scenario: Disbursement with EMI smaller than installmentAmountInMultiplesOf=10 distributes residual across installments instead of collapsing onto one |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_MULT_OF_10 | 26 October 2025 | 30 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "30" amount and expected disbursement date on "26 October 2025" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 30.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 26 November 2025 | | 20.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | |
| | 2 | 30 | 26 December 2025 | | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | |
| | 3 | 31 | 26 January 2026 | | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | 0.0 | 0.0 | 0.0 | 10.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 | |
| When Admin successfully disburse the loan on "26 October 2025" with "4" EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 4.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 2.67 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | |
| | 2 | 30 | 26 December 2025 | | 1.34 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | |
| | 3 | 31 | 26 January 2026 | | 0.0 | 1.34 | 0.0 | 0.0 | 0.0 | 1.34 | 0.0 | 0.0 | 0.0 | 1.34 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 4.0 | 0.0 | 0.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 | 4.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.0 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 4.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 2.67 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | 1.33 | 1.33 | 0.0 | 0.0 | |
| | 2 | 30 | 26 December 2025 | 27 October 2025 | 1.34 | 1.33 | 0.0 | 0.0 | 0.0 | 1.33 | 1.33 | 1.33 | 0.0 | 0.0 | |
| | 3 | 31 | 26 January 2026 | 27 October 2025 | 0.0 | 1.34 | 0.0 | 0.0 | 0.0 | 1.34 | 1.34 | 1.34 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 4.0 | 0.0 | 0.0 | 0.0 | 4.0 | 4.0 | 4.0 | 0.0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.0 | false | false | |
| | 27 October 2025 | Repayment | 4.0 | 4.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
| @TestRailId:C80939 |
| Scenario: Multi-tranche progressive disbursement with both sub-multiplesOf tranches distributes residual across all installments |
| When Admin sets the business date to "26 October 2025" |
| When Admin creates a client with random data |
| When Admin creates a fully customized loan with loan product`s charges and following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_BEHAVIOUR | 26 October 2025 | 3 | 0 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| And Admin successfully approves the loan on "26 October 2025" with "3" amount and expected disbursement date on "26 October 2025" |
| # First tranche - 0.5 EUR triggers sub-multiplesOf EMI branch |
| When Admin successfully disburse the loan on "26 October 2025" with "0.5" EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.5 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.33 | 0.17 | 0.0 | 0.0 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | 0.17 | |
| | 2 | 30 | 26 December 2025 | | 0.16 | 0.17 | 0.0 | 0.0 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | 0.17 | |
| | 3 | 31 | 26 January 2026 | | 0.0 | 0.16 | 0.0 | 0.0 | 0.0 | 0.16 | 0.0 | 0.0 | 0.0 | 0.16 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.5 | |
| # Second tranche on the same day - additional 0.4 EUR, cumulative outstanding 0.9 EUR. New EMI = 0.30 across all installments. |
| When Admin successfully disburse the loan on "26 October 2025" with "0.4" EUR transaction amount |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.5 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | | 0.6 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | |
| | 2 | 30 | 26 December 2025 | | 0.3 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | |
| | 3 | 31 | 26 January 2026 | | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.9 | 0.0 | 0.0 | 0.0 | 0.9 | 0.0 | 0.0 | 0.0 | 0.9 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 26 October 2025 | Disbursement | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | false | false | |
| | 26 October 2025 | Disbursement | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.9 | false | false | |
| When Admin sets the business date to "27 October 2025" |
| When Loan Pay-off is made on "27 October 2025" |
| Then Loan Repayment schedule has 3 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 26 October 2025 | | 0.5 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | | | 26 October 2025 | | 0.4 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 26 November 2025 | 27 October 2025 | 0.6 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.3 | 0.3 | 0.0 | 0.0 | |
| | 2 | 30 | 26 December 2025 | 27 October 2025 | 0.3 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.3 | 0.3 | 0.0 | 0.0 | |
| | 3 | 31 | 26 January 2026 | 27 October 2025 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.3 | 0.3 | 0.3 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 0.9 | 0.0 | 0.0 | 0.0 | 0.9 | 0.9 | 0.9 | 0.0 | 0.0 | |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
